Credit Cards for Bad Credit

A credit card is one tool that can help you build your credit history. Two of the most important steps you can take that may help to positively affect your credit profile: Always make on-time payments with all of your creditors and keep your balances low relative to your credit limits.

No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.

A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 7 months to see if we can transition you to an account with no security deposit.

Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.

See if you are Pre-Qualified in less than 60 seconds without harming your credit score.

Double Your Line by making at least your minimum monthly payment on time for the first 7 months.

Get your updated FICO® Score each month when it is provided to us from the credit bureau.

$0 Fraud Liability protects you from unauthorized charges.

Online and Mobile Account Access

No Penalty Rates or Over Limit Fee.

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Terms and Restrictions Apply

Purchases

Balance Transfer

Regular APR

Annual Fee

Credit Needed

N/A

Intro APR

N/A

Intro APR Period

N/A

Intro APR

N/A

Intro APR Period

See Terms

See Terms

Bad Credit

primor® Secured Visa Classic Card

Credit lines available from $200 to $5,000! You decide where you want to start and open your Personal Savings Deposit Account to secure your line

Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more!*

Perfect card for establishing or re-establishing credit. Reports monthly to all three national credit bureaus

Low fixed 13.99% interest rate on purchases - with no penalty rate!

Fast, easy application process

No processing or application fees!

*See application for additional details

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Terms and Restrictions Apply

Purchases

Balance Transfer

Regular APR

Annual Fee

Credit Needed

N/A

Intro APR

N/A

Intro APR Period

N/A

Intro APR

N/A

Intro APR Period

13.99% (Fixed)

$39

No Credit Check

UNITY® Visa Secured Credit Card

Limited Time Offer: New cardmembers get a $25 rebate* - To be eligible, applications must be submitted between now through 12/31/16 and accounts must be in good standing for 90 days after opening.

Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!

No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!

No application fee or penalty rate

Monthly reporting to all 3 major credit bureaus

24/7 online access to your account

*See the Cardholder Agreement for more details.

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Terms and Restrictions Apply

Purchases

Balance Transfer

Regular APR

Annual Fee

Credit Needed

N/A

Intro APR

N/A

Intro APR Period

9.95%

Intro APR

6 months

Intro APR Period

17.99% (Fixed)

$39

Bad Credit

UNITY® Visa Secured Credit Card

Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!

No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!

No application fee or penalty rate

Monthly reporting to all 3 major credit bureaus

24/7 online access to your account

*See the Cardholder Agreement for more details.

Show More

Terms and Restrictions Apply

Purchases

Balance Transfer

Regular APR

Annual Fee

Credit Needed

N/A

Intro APR

N/A

Intro APR Period

9.95%

Intro APR

6 months

Intro APR Period

17.99% (Fixed)

$39

Bad Credit

The Secured Visa® from Merrick Bank

Unsecured credit line increases - your account will be regularly reviewed for credit line increases with no additional security deposit required.

Monthly FICO® Score for free - get your updated FICO® Score each month when it is provided to us from the credit bureau.

Build your credit - performance is reported to all three major credit bureaus, unlike a prepaid card.

Flexible credit line - the amount of your deposit determines your initial credit line - up to $3,000 and increase your credit line with additional deposits.

No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.

A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 7 months to see if we can transition you to an account with no security deposit.

Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.

Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!

No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!

No application fee or penalty rate

Monthly reporting to all 3 major credit bureaus

24/7 online access to your account

*See the Cardholder Agreement for more details.

Show More

Terms and Restrictions Apply

Purchases

Balance Transfer

Regular APR

Annual Fee

Credit Needed

N/A

Intro APR

N/A

Intro APR Period

9.95%

Intro APR

6 months

Intro APR Period

17.99% (Fixed)

$39

Bad Credit

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using

Limited Time Offer: New cardmembers get a $25 rebate* - To be eligible, applications must be submitted between now through 12/31/16 and accounts must be in good standing for 90 days after opening.

Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!

No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!

No application fee or penalty rate

Monthly reporting to all 3 major credit bureaus

24/7 online access to your account

*See the Cardholder Agreement for more details.

Show More

Terms and Restrictions Apply

Purchases

Balance Transfer

Regular APR

Annual Fee

Credit Needed

N/A

Intro APR

N/A

Intro APR Period

9.95%

Intro APR

6 months

Intro APR Period

17.99% (Fixed)

$39

Bad Credit

The Secured Visa® from Merrick Bank

Unsecured credit line increases - your account will be regularly reviewed for credit line increases with no additional security deposit required.

Monthly FICO® Score for free - get your updated FICO® Score each month when it is provided to us from the credit bureau.

Build your credit - performance is reported to all three major credit bureaus, unlike a prepaid card.

Flexible credit line - the amount of your deposit determines your initial credit line - up to $3,000 and increase your credit line with additional deposits.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

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